5 carriers raised and 2 carriers cut Louisiana homeowners rates in 2026. Homeowners rate hikes hit at renewal — the fastest way to stop overpaying is to compare carriers for your ZIP.
Carriers that raised Louisiana home rates in 2026
| Carrier | Change | Effective | Source |
|---|---|---|---|
| Louisiana Farm Bureau Louisiana Farm Bureau Casualty Insurance Company | +14.75% | Oct 1, 2025 | LA DOI SERFF filing SFBC-134582157 |
| State Farm State Farm Fire and Casualty Company | +9.7% | Oct 15, 2025 | LA DOI SERFF filing SFMA-134661164 |
| Allstate Allstate Insurance Company | +1.6% | Dec 4, 2025 | LA DOI SERFF filing ALSE-134677440 |
| Allstate Allstate Vehicle and Property Insurance Company | +3.8% | Jan 29, 2026 | LA DOI SERFF filing ALSE-134740068 |
| USAA USAA / Garrison P&C (filing-level) | +9.2% | Mar 15, 2026 | LA DOI SERFF filing USAA-134777840 |
Carriers that cut Louisiana home rates in 2026
| Carrier | Change | Effective | Source |
|---|---|---|---|
| Allied Trust Allied Trust Insurance Company | −2.3% | Dec 20, 2025 | LA DOI SERFF filing ALTR-134663183 |
| Hanover The Hanover Insurance Company | −1.8% | Apr 1, 2026 | LA DOI SERFF filing HNVR-G134780663 |
Are you actually getting the new rate?
Approved changes are statewide averages, and they reach your policy at renewal. A cut often reaches new buyers first; a hike lands on your next renewal notice. Re-shopping is the only way to know you’re on the best current price for your home.
Figures are filed/approved statewide-average changes from each state’s Department of Insurance (CA via CDI, TX via data.texas.gov, others via SERFF). Individual rates vary by home, roof age, and risk. Each filing links to its source. Not a quote.